1968 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1968 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,311 sqft · built 2001
Lot Size	45.1 acres (1,968,433 sqft)
Owner	Individual Name on Record
Tax Bill	$4,748 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Mar 2014 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29 A 36B`

Property Details

APN / Parcel Number

Primary APN	`29 A 36B`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,311 sqft Living Area
1st Floor Area	2,876 sqft
Basement Area	1,007 sqft
Unfinished Basement	1,007 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,968,433 sqft (45.1 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	262 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1968 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	DB 387-140 AC 45.189
Legal Block	3
Legal Lot Number	B
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1039
Census Tract	20300

Owner

Source: Fluvanna County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1968 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage UVA COMMUNITY CU
Mar 17, 2014	Deed of Trust, Mortgage · Conventional Mortgage FFSI INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1968 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001700220
Date	Jan 23, 2017
Instrument	1700220

Lender

Name	UVA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 5, 2032

Interest

Rate Type	Fixed Rate

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1968 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000914/578
Date	Mar 17, 2014
Book Page	914/578
Instrument	1400696

Lender

Name	FFSI INC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2044

Tax Assessment & Valuation

Source: Fluvanna County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$739,200 (+%) Land $174,600 Building $564,600	$739,200 (+%) Land $174,600 Building $564,600
2025	$4,748.00 (+15.61%)	$739,167 (+23.83%) Land $174,567 Building $564,600	$739,167 (+23.83%) Land $174,567 Building $564,600
2023		$596,900 Land $174,600 Building $422,300	$596,900 Land $174,600 Building $422,300
2022	$4,107.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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